Even if you carry personal health insurance you may not be covered when you travel. This is particularly the case if you are planning to travel overseas. You should, of course, check your health policy but even if you are covered it makes a lot of sense to consider an additional travel medical insurance policy. You don’t have to spend a fortune to get good coverage and you will be able to travel without worrying that an unexpected accident or illness will break the bank.
There are a variety of options to choose from when you purchase travel medical insurance. The first distinction is whether the policy will be for domestic travel insurance or if it will cover you overseas. The next major distinction is the frequency of your travel. If you travel a lot you should consider a multi trip annual travel medical insurance policy. With a multi trip policy you are covered for a period of time rather than for just one trip.
If you have doubt about whether or not it is important to purchase a travel medical insurance policy you need only to consider the cost of medical evacuation. According to the Australian Government daily medical care in China can be more than $800 per day while evacuation from the United States back to Australia can exceed $100,000. In fact, the Government recommends that no one travel overseas without travel medical insurance. If you are in good health to start out with the likelihood is that you will not have to be medically evacuated back to your own country. The unexpected does happen though and the consequences of trying to handle medical emergencies on your own are so severe that it really isn’t worth taking a chance.
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